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Marinello offers short-term consumer loans to all Danish consumers with a Danish CPR number, which can be used to fulfill any dream.

You have the opportunity to borrow up to DKK 4,000 as a first-time borrower at Marinello, while in the future you can borrow up to SEK 12,000.

All loans with Marinello have a maturity of between 5 and 30 days, whichever suits you best. maturity of between 5 and 30 days, so you can always take a loan that suits you.

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Who is the Marinello?

At Marinello, there is a focus on accountability, so they cannot offer loans to persons registered in the RKI. This they do as part of their responsible lending where they are not interested in providing loans that are unlikely to be repaid. It is both in your and Marinello’ best interest that all loans be repaid on time. Customers have the highest priority at Marinello, which is why there is a focus on transparency and security in connection with loans so that there is never any doubt who is about to take out a loan. According to Marinello itself, they are on the market to solve a very real problem with short credits with Danish consumers; they would like to help Danish consumers who suddenly face an unforeseen expense and who suddenly lack a short amount of funding.

At http://paydayrelay.com/ homepage offers its customers the option of either applying for a payday advance via a computer or via mobile devices such as tablets and smartphones. They have made sure that their website has become mobile optimized, so it is easy to access and use it to apply for a loan, whether you want to use your computer, smartphone or tablet. This can be of great benefit to those consumers who are interested in applying for a loan while on the move or if they do not have access to a computer and thus want to use either a smartphone or a tablet.

Marinello offers loans up to DKK 12,000.

 

As a consumer, you have the opportunity to borrow up to DKK 12,000 with Marinello. You choose how much you exactly want to borrow, why you can apply for a quick loan of between DKK 500 and DKK 12,000. At the same time, you can choose how long a loan period you want, since you are free to choose between 5 and 30 days when you apply for a loan from Marinello. That way, you can take a loan that suits your needs and your financial situation.

Marinello recommends that you only borrow the amount you really need, as it ultimately benefits both you and Marinello when you have the opportunity to repay the loan on time. In addition, you must keep in mind that the purpose of a loan from Marinello is to borrow money for something that you yourself can afford as soon as you receive your salary next time. For this reason, they have chosen to have loan periods of between 5 and 30 days, so that you, for example, take a loan in the middle or late of the month, after which you can easily repay it again as soon as you start a new month and receive a salary.

Loans up to DKK 4,000 as a first-time borrower

Despite the fact that Marinello advertises with the possibility of borrowing between DKK 500 and DKK 12,000, all first-time borrowers should be aware that the size of the loan amount is more limited the first time you take out a loan with Marinello. At Marinello, all first-time borrowers only have the opportunity to borrow up to DKK 4,000 without having to document your income. This is because Marinello wants to make sure that you as a borrower are responsible and trustworthy. Thus, you first get the opportunity to borrow up to DKK 12,000 as soon as you have repaid the loan at the maximum of DKK 4,000, as Marinello in this way know that you can easily provide security for the loan. That being said, Marinello only requires you to provide minimal security when you take out a loan from them.

When the DKK 4,000 is repaid, the limit will in principle be raised to DKK 8,000. If you would like to apply for a higher amount up to DKK 12,000, then you must expect that Marinello has the right to ask for documentation on your income before offering you a loan. In the future, you will also be able to extend the loan by either 7, 14 or 30 days for a small extension fee.

Focus on the responsibility and suitability of the Marinello

As already mentioned, Marinello great emphasis is on accountability in connection with borrowing, which is why they believe that it is important that you as a borrower make some simple considerations before applying for a loan. With a Marinello mini loan, you can meet your short-term credit needs and don’t have to worry about letting the loan secure.

However, Marinello wants to make all their borrowers aware of a few things about fitness and accountability, as it is in their and your best interest only to offer loans to responsible borrowers. Basically, it is about Marinello wanting to be sure that you are able to repay the loan you are offered on time in time.

Marinello loan terms

 

If you meet all of the Marinello loan terms, are able to repay the loan and need money for an unforeseen expense, then Marinello will describe you as eligible to borrow from them. If, on the other hand, you are unsure whether you are able to repay the loan and if the purpose of the loan is to be able to buy unnecessary things or pay off another loan with the money, then Marinello will describe you as unfit for to borrow money from them.

However, it must also be pointed out that Marinello does not see any problem in that you take out a loan with them in order to repay several smaller loans so that you collect your entire debt with Marinello. Before you decide to apply for a loan with Marinello, it may be a good idea to read their loan terms thoroughly. You should also consider carefully how much money you really need to borrow so that you only borrow the amount you actually need. In general, it is also a good idea to think extra about before you take out a loan independently of the loan provider.

Different loan types at Marinello

 

At Marinello’ website, it appears that they offer many different types of loans to their customers. Basically, there is not much difference between the different loans, as you ultimately only have the opportunity to seek one kind of loan. They even list a large number of loan types, including mini loans, mobile loans, private loans, cash loans, etc. If you read more thoroughly about the different types of loans, you will soon be able to see that there is basically no difference between the different loans in addition to their name. The same terms apply to all loan types at Marinello. This also appears in connection with the application form, where you do not get an opportunity to choose a particular type of loan.

When you apply for a loan at Marinello, this is a short-term online consumer loan, which also often goes by the name of mini loan or a quick loan. This is because this type of consumer loan is quick to apply for and get paid, as the entire loan process takes place online, and at the same time you do not have the opportunity to borrow larger amounts (up to DKK 12,000). It is also related to the short maturity (between 5-30 days). As already mentioned, you have the opportunity to apply for the loan from either your computer, smartphone or tablet, as Marinello has mobile optimized their website to suit both computers and mobile devices.

What can a loan with Marinello be used for?

As they write at the top of their website, at Marinello you can borrow money for any dream. Marinello do not interfere with what you borrow money for. This means that you are free to decide what you want to use for the borrowed money – whether for unforeseen bills or expenses or for travel or television. The Marinello mission is to make life easier for people who have a pressured economy for a shorter period of time, but ultimately it is entirely up to you to use the loan. With a loan from Marinello, you get a lot more freedom than with, for example, a loan from your bank, where they to a much greater extent require documentation and explanation of what the loan is to be used for.

The difference between bank loans and a loan from Marinello

The difference between a bank loan and a loan from Marinello is less than you might think at first glance. However, there are some very significant differences that can help you prefer one type to the other. First, you can be sure that Marinello will not interfere with what you are borrowing for if you are applying for a loan with them.

The same does not apply to bank loans. Here it is very common for you to be able to document a large number of things, including what the money should be used for. As a consumer, however, one must also be aware that short-term consumer loans as that Marinello provider can often be a little more expensive than ordinary bank loans. On the other hand, you avoid a lot of annoying waiting times in relation to approval or rejection of the loan application when choosing an online consumer loan rather than a bank loan.

So it is both quick and easy to apply for a loan with Marinello, and in general, you can also expect that you will get the money paid faster than if you have chosen a bank loan. Legally, at least 48 hours must pass before you have the right to confirm your consumer loan. The purpose of this period is that as a consumer you have time to think through the loan so that you are absolutely sure that you would like to borrow a loan when you sign the loan agreement.

NemID makes it safe to borrow from Marinello

When you decide to borrow money from Marinello, you can feel completely safe. It is necessary to use NemID to sign all loan agreements so that Marinello is sure that no one else is trying to borrow a loan in your name. You must, therefore, make sure your NemID is ready and available when you apply for a loan with Marinello.

How to apply for a loan with Marinello

 

You only have to go through 4 simple steps when you borrow money from the Marinello. It is both easy, fast and safe to borrow money from Marinello, and it, therefore, does not require much of you as a consumer before you can get money for what you lack.

Step 1 – Select amount and duration

Once you have decided that you are interested in borrowing a loan from Marinello, start by deciding how much money you are interested in borrowing. Remember, it is usually a good idea to borrow only the money you really need and need. If this is the first time you borrow money from Marinello, then you have the opportunity to borrow up to DKK 4,000. However, if you are a repeat customer, you can borrow up to DKK 12,000.

Once you have decided on a suitable loan amount and term for your mini loan, you will also be able to see an overview of your entire loan in the application form. This summary includes your total amount of credit, your loan period, the total repayment amount, the total credit cost and the borrowing rate ( annual fixed ) / APR.

Step 2 – Create a Marinello profile, fill in information and sign with NemID

If you are a first-time borrower at Marinello you will subsequently be asked to create a Marinello profile. If you are a repeat customer, you will be able to log in and continue from there. The Marinello profile is used to enable you as a consumer to manage and keep track of your loans and refunds at Marinello, and you also have the opportunity to extend a loan here.

When you create the profile, it is very important that you provide an active email address and phone number so that Marinello can get in touch with you. When you create the profile, you will also be asked to enter your full name, social security number, bank details, and your total monthly expenses. In addition, you must create a password for the profile.

When the profile is created or you have logged in to your Marinello profile you will be asked to log on with NemID. You must use NemID to sign the application. All loan agreements with Marinello are signed electronically with NemID, after which Marinello will check your information before they either approve or reject the application.

Step 3 – Approve the loan after 48 hours

48 hours after you apply for the loan, it is your responsibility to log in to your Marinello profile, where you have the opportunity to approve the loan if Marinello has offered you one. When you apply for a loan with Marinello, they will immediately assess whether or not you are eligible to borrow from them. Only after you have given your final approval will the loan be valid and only then will the money be transferred to your chosen bank account.

Step 4 – Receive the money in your account

In the last step, you will be paid the money in your bank account, which typically happens within 1-2 business days. However, this depends a lot on which bank you have. Marinello uses Handelsbanken in connection with the payment of loans, which is why it can be faster to receive the borrowed money if you use this bank yourself. However, you can be sure to receive the money quickly, no matter which bank you have.

Requirements for the borrower at Marinello

Marinello does not have many requirements for their borrowers, but there are, however, a number of requirements that one should examine before applying for a loan. To be allowed to take out a loan with Marinello, one must first and foremost be at least 21 years old and thus be of legal age, but it is also important that you have a Danish CPR number and a Danish national registry address. In addition, make sure you have an active e-mail address and a NemKonto which the money can be transferred to after approval. When you apply for a loan with Marinello, you must also not be registered in either RKI Experian or the Debtor Register.

Repayment of the loan

When it’s time to start repaying the loan, it can happen in the following three ways at Marinello:

    • By bank transfer
  • When paying via payment card
  • By automatic refund via your Marinello profile

Dora Flores